Opinion on girlfriends debt?

I have a girlfriend who is in the market of buying a brand new scion tc 2007 for $16,000.00 but I know for a fact its not going to be that cheap once she has to pay for taxes and the title etc., anyway I was in the process of getting us a vehicle such as a infiniti m45 or g35 but she isnt patient enough to wait and is now trying to get a vehicle for herself, shes approximately 15,000 in debt in which of that is part of a repoed car and payment fees, is she going to be able to just finance with her income directly through Toyota, in my opinion I dont think she will be able to, she is able to make the payments since her salary a month is 2k around that, but she just doesnt understand when I explain to her she'll have to put a big money down or get a cosigner for the car, or ofcourse lease financing, she wanted a 42 month term and she also thinks LOL that she isnt going to have apr fees, guys and gals whats your opinion about the situation, im soon to get an infiniti g coupe

once i told her and she knows that im able to get a car with no hassle it seems to make her upset which is dumb to me because she is the one that didnt want to wait another month, in a way I kind of feel bad but then again I dont care, cause she's really picky about getting a vehicle she also wants lol sunroof leather the whole package and she just doesnt seem to realize of how much its going to cost her she only has about 800 dollars to spend towards a new car, gas, insurance, she takes the bus at times to work or I will take her places but I just think its ridiculous, I just most want opinions on the financial status of her getting a new 07 scion with monthly payments of $300 and 16000.00 yeah right thanks peoples :)

She has caviar tastes on a McDonald's bufget, in my opinion. IF she can get financing at all (auto loan companies are loathe to lend money to people with auto reposessions, can you imagine...) she will get a VERY high interest rate.

That said, it's her decision. It's fine to try to give advice, but once you give it it's up to the other person. Once she actually sits down with the finance people she'll get her very strong dose of reality. And ifyou want to keep her as a girlfriend do NOT say, "I told you so!".

No matter what, do not EVER cosign for anyone - ESPECIALLY someone who has already exhibited bad credit habits. That's credit suicide - and you will be left bitter, angry and broke - trying to sue your EX-girlfriend to get back your money.

Bottom line - stay out of it. It's a recipe for disaster, my friend.

she definitely will not be able to get a car as easily or as cheap as she thinks but i urge you not to cosign for a loan from her. she WILL ruin your credit!! she has made her own money mistakes don't let her make them for you too!

she's a girl who shooting for the moon.. she will never be satisfied with normal things and once she gets one thing she will try for onother..try to get her to see reason or she will never get out of debt..

It'll come down to her debt to income ration and shape of her credit, but I'm guessing with a repo on there, her credit isn't good. I seriously doubt they'll even consider financing her unless she can put down $5000+ cash towards a new car, and then it won't be a brand new one that costs that much with all the options. They could probably get her into something used that's 3-5 years old with $3000 to $5000 cash down. As for the no APR, the only way she's getting out of that is if she has absolutely perfect pristine credit and they have a special 0% offer going.

Well you both have bad taste in cars. Besides that> If shes to stubborn to listen to you and take your advise . Let her get it just make sure your name is not on the paper work anywhere. Let her learn the hard way. Just remember women are perfect and NEVER wrong.

A 16K car is going to be in the mid to upper 300's with a decent interest rate.

There's no need to convince her-- send her on out to see what the APR and payment would be and if she doesn't back out when its in the 400's, thats her fault.

Things to consider in this situation. I'll leave the obvious conclusions up to you:
1. She's your girlfriend, not your wife.
2. Cosigning a loan for her car would be a foolish move for you to make(and from your description, foolish for anyone else also).
3. If she's old enough to have a job and a boyfriend, she's old enough to make her own decisions [and mistakes].

Let her learn the hard way. Don't co-sign anything with her. She's so spoiled that she wants everything her way. Cars are tools that get you from point "A" to point "B" to point "C" and from "C" all the way back to "A." No use in buying a new car if you're $15,000 in debt. Buying a brand new car is a luxury, and a luxury that a person who is in debt does not need.

Why is she still your girlfriend????? Maybe you can set up a debt management class for her so she knows how to better manage her money. As for the repo, she can forget about getting a car with just her signature. A repo will hurt anyone who is searching for a car.

Good luck with the girl, and don't let her take your money. And most important, DO NOT CO-SIGN for her.